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  • FIRST POST
    • Purplemumof2
    • By Purplemumof2 18th Jul 17, 1:57 PM
    • 6,432Posts
    • 23,950Thanks
    Purplemumof2
    Unsinkable
    • #1
    • 18th Jul 17, 1:57 PM
    Unsinkable 18th Jul 17 at 1:57 PM
    New diary, I have been thinking about it for a while now. I have been back almost a year give or take two weeks and boy what a year that has been, reading back over my old diary.

    The title of my new diary comes from a Lucy Spraggan song, which the lyrics fit the mood at the moment.

    Reflection on the past year:
    * Current debt is now - £8500, this doesn't include the OD or the BC (yet!)
    * Changed jobs four times and looking to move again, hopefully for the last time for a while
    * Moved house - This is my favourite one
    * Year Goals when I find them again are improving
    * Got a horrible situation with DS's ex-gf sorted
    * Still trying to get my MSE head to stay on, but I'm getting there slowly

    --------------------------------------------------------------------

    There are still improvements that need to be made but overall I/we are getting there. I think carefully about anything I go to buy.

    I am happy that I have rediscovered the survey sites and some new ones that I hadn't done before, my overall plan for next year is to build a stash up towards Christmas and birthdays, making 2018 as frugal as I can

    There are still things in the house that need sorting/unpacking/binning but it does feel like home and the kids love it and that to me is all that matters

    I like trying to get the most out of £2 per day, how sad is that?

    So as the song goes 'We won't abandon this ship. We are unsinkable'
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5960.00 BC: £349.99 Cap One: GONE Lloyds: £10,300.00
    OD £0/£500 LC £0/£1500 Washer £0/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £314.24/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
Page 52
    • pennywisepoundstupid
    • By pennywisepoundstupid 5th Apr 18, 11:07 AM
    • 4,861 Posts
    • 16,770 Thanks
    pennywisepoundstupid
    Good to see you posting again, you have been missed. xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings was £10,000 now £5000/borrowed £5000 for new kitchen which I MUST pay back. £5000/£0
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 5th Apr 18, 9:01 PM
    • 4,870 Posts
    • 34,515 Thanks
    HairyHandofDartmoor
    I'm glad things have calmed down enough for you to post Purplemum, it's good to have you back.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Purplemumof2
    • By Purplemumof2 9th Apr 18, 3:44 PM
    • 6,432 Posts
    • 23,950 Thanks
    Purplemumof2
    Good afternoon,

    Hope everyone's is ok? The weather is rather pants! to say the least. Hope it brightens up a bit as we go away to Centre Parks this weekend.

    Debt totals have been updated in my signature, so all is looking healthy there. I have also checked the bank accounts and surprisingly enough, my £2K deposit I can pay off the BC so once we get to the end off the month, I will arrange for that to happen.

    Aiming to bring my lunch with me every day as much as possible any way.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5960.00 BC: £349.99 Cap One: GONE Lloyds: £10,300.00
    OD £0/£500 LC £0/£1500 Washer £0/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £314.24/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • jwil
    • By jwil 10th Apr 18, 2:44 PM
    • 8,988 Posts
    • 28,346 Thanks
    jwil
    Fed up with the constant rain!

    Hope you have a good weekend
    "If you can dream it, you can do it". Walt Disney
    • Purplemumof2
    • By Purplemumof2 23rd Apr 18, 11:48 AM
    • 6,432 Posts
    • 23,950 Thanks
    Purplemumof2
    ****sneaks back in****

    Hi and happy Monday,

    Apologies for being AWOL, with background stuff, Centre Parcs and work. Life has been hectic to say the least.

    So I'm back and I really need to get posting daily again or I'll lose my mojo and momentum.

    Did really well with PA this past week and have managed a payout, this has gone off the Cap One card. I'm waiting for some money to clear on Quidco, then I can pay that off too, should be a decent chunk but I think it'll be three months before that happens.

    Centre Parcs was great and we had lovely weather, we did overspend but that was mainly due to not properly knowing what was there to book activities. Kids didn't want to leave and have asked if we can go back next year.

    Debt Update

    MBNA is going down nicely
    Cap One should be under £400 by next month
    BC has leapt up but will be back down to £6K as my £2K is due in by the end of the month

    Personal

    Lunches to work is still going on
    NSD's are still going
    AFD's need much improvement
    Flylady has been virtually non-existent and I need a kick up the bum to find my mojo for that
    Surveys - PA is going good but haven't made headway with the others
    DS is still a pain in the bum but that working on that one!
    Work wise - Aiming to try and find out on Friday if company will be taking me on....we found out that we have won the rest of the phases
    Pranged my car....nothing major but I need to sort a quote out to fix it
    Meal planning is still going on with a few deviations

    Conclusion

    Debt has risen, but it is going down if that makes sense
    Must keep trying
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5960.00 BC: £349.99 Cap One: GONE Lloyds: £10,300.00
    OD £0/£500 LC £0/£1500 Washer £0/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £314.24/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • WannabeFree
    • By WannabeFree 23rd Apr 18, 2:29 PM
    • 1,762 Posts
    • 15,484 Thanks
    WannabeFree
    Lovely to see you back again, the debt might have gone up slightly but at least you have a plan

    Take care
    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 23rd Apr 18, 9:03 PM
    • 4,870 Posts
    • 34,515 Thanks
    HairyHandofDartmoor
    Welcome back . Glad you had a great time Centre Parcs.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Sun Addict
    • By Sun Addict 23rd Apr 18, 9:36 PM
    • 6,127 Posts
    • 41,381 Thanks
    Sun Addict
    Welcome back. Onwards and upwards, you can do this
    Virtual Sealed Pot 2018 £404.08
    Debt £2180
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • WannabeFree
    • By WannabeFree 24th Apr 18, 10:06 AM
    • 1,762 Posts
    • 15,484 Thanks
    WannabeFree
    Hope you have a good day

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Purplemumof2
    • By Purplemumof2 24th Apr 18, 10:45 AM
    • 6,432 Posts
    • 23,950 Thanks
    Purplemumof2
    Morning,

    A tad cooler here today but at least it is dry, which is a bonus and it's nice to see the blossom on the trees, a sure sign of the better weather.

    Managed to get some washing outside to dry over the weekend, only used the drier twice, so that's a bonus. Going to do some washing tonight then I can hang it out before I head off to work in the morning.

    I need to pick up DD's camp blanket from a local lady tonight, she's sewn on DD's Brownie sash and the front of her Rainbows tabard, as I don't have a sewing machine and my hand sewing is patchy to say the least so £10 to pay out tonight....but I have already budgeted for it.

    I did a bit of tidying of my sewing box on Sunday, it's a job I hate and have been putting off but I inherited a load of things from FiL many years ago, which I just dumped in there, so it was a good exercise to see what there was...safe to say I do not need to buy anything....Ever!

    I've brought my lunch with me today, a left over fajita...yum!

    Had a message from my agency, he's going to contact the company and find out if they intend to take me on. He says it helps that they've won the other phases. So fingers crossed that happens.

    Need to nip and get a few bits today, so should be a low spend there.

    Quidco payment has cleared, so that's £9.56 heading my way, once it hits the bank that can go off the Cap One card. Just waiting on a few more on there to clear.
    Last edited by Purplemumof2; 25-04-2018 at 10:02 AM.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5960.00 BC: £349.99 Cap One: GONE Lloyds: £10,300.00
    OD £0/£500 LC £0/£1500 Washer £0/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £314.24/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • debtaghh
    • By debtaghh 24th Apr 18, 10:49 AM
    • 1,410 Posts
    • 5,327 Thanks
    debtaghh
    Lovely to see you posting. Glad you had a nice time at Center Parcs. Fingers crossed that they keep you on.
    Debt 16th October 2017: Cc £49,987- family £37,561: total debt £87549

    Current debt: Cc £45,909 , Family £ 36,982 total debt £82,891

    Need to clear by August 2019- Nuba- £3500 /£3900, DH Tesco £4299, my Tesco - £5390/£5510, total £13189
    • Purplemumof2
    • By Purplemumof2 24th Apr 18, 2:14 PM
    • 6,432 Posts
    • 23,950 Thanks
    Purplemumof2
    Quick update again.

    Nipped to Asda on my lunch break, spent £10.79.

    Also I've done a few surveys today, although PA seems to be having problems with their server.

    Need to think about my goals for May and make a list of what is coming up that I need to pay for.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5960.00 BC: £349.99 Cap One: GONE Lloyds: £10,300.00
    OD £0/£500 LC £0/£1500 Washer £0/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £314.24/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Sun Addict
    • By Sun Addict 24th Apr 18, 2:26 PM
    • 6,127 Posts
    • 41,381 Thanks
    Sun Addict
    Fingers crossed they take you on.
    Virtual Sealed Pot 2018 £404.08
    Debt £2180
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 24th Apr 18, 9:33 PM
    • 4,870 Posts
    • 34,515 Thanks
    HairyHandofDartmoor
    I hope you get good news about your job.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Purplemumof2
    • By Purplemumof2 25th Apr 18, 10:08 AM
    • 6,432 Posts
    • 23,950 Thanks
    Purplemumof2
    Morning,

    Did a small load last night and this has been hung in the conservatory to dry as the weather is hit and miss today.

    Kids have got left over chilli from last night for dinner tonight, both of them have clubs tonight.

    DD's parent's evening tonight, reports so far are good

    Brought my lunch today so keeping on track with that.

    Still thinking about May's goals.

    Have a great day everyone.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5960.00 BC: £349.99 Cap One: GONE Lloyds: £10,300.00
    OD £0/£500 LC £0/£1500 Washer £0/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £314.24/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • WannabeFree
    • By WannabeFree 25th Apr 18, 10:09 AM
    • 1,762 Posts
    • 15,484 Thanks
    WannabeFree
    Have a good day

    Hope parent's evening goes well and you get news about your job soon too
    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • jwil
    • By jwil 25th Apr 18, 12:32 PM
    • 8,988 Posts
    • 28,346 Thanks
    jwil
    Fingers crossed about the job xx
    "If you can dream it, you can do it". Walt Disney
    • Purplemumof2
    • By Purplemumof2 25th Apr 18, 2:50 PM
    • 6,432 Posts
    • 23,950 Thanks
    Purplemumof2
    May Goals
    Time to drag myself out of this rut that I have got myself in to and get motivated.

    Good Things

    I'm back posting again
    Some money moving is working
    Savings for Christmas are building up
    Keeping up sewing DD's badges on her blanket

    Bad Things

    Debt has increased
    AFD's are virtually non existent at the moment
    Not much walking done


    May Goals

    May - I need to be more focussed and get myself back on the wagon and out of hibernation.
    • LTW every day except Friday's
    • AFD's needed
    • Meal Plan
    • Try and reduce grocery spends
    • Washing outside to dry when possible
    • Flylady when possible
    • Walk more
    • Do more of my tapestry
    • Read more
    • Spend less time online at home

    Things coming up/pay for:

    DD's Guide camp remainder - £20 - PAID
    DD's October Guide Gig - £30 - PAID
    DS's IOW Cadet camp remainder - £80
    DS Cadet day trip - £15 - PAID
    Our Anniversary
    DS's birthday presents - End of May for June - He has sorted his list out
    DD's Boulogne trip - Euro's needed - I think we have enough left in the cupboard
    DD's swimming lessons - £28

    I'm sure I will add to the above as I go along.
    Last edited by Purplemumof2; 03-05-2018 at 2:56 PM.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5960.00 BC: £349.99 Cap One: GONE Lloyds: £10,300.00
    OD £0/£500 LC £0/£1500 Washer £0/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £314.24/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 25th Apr 18, 8:53 PM
    • 4,870 Posts
    • 34,515 Thanks
    HairyHandofDartmoor
    Hope parents evening is going well. I went on a school trip to Boulogne once, happy memories .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • Purplemumof2
    • By Purplemumof2 26th Apr 18, 11:05 AM
    • 6,432 Posts
    • 23,950 Thanks
    Purplemumof2
    Parents evening was fantastic, DD has settled in to Year 7 really well and there are no problems with her work....one sorted, just the other one to sort!

    Pay day tomorrow and I can't wait.

    I've pledged 17 LTW next month but will try to make it more if I can.

    Quidco hasn't shown up yet, so I guess that'll be Monday when it hits.

    I've adjusted my upcoming list as I forgot we've signed DD up for swimming lessons, I know she's 11 and she has had 'some' lessons in primary school but the teacher wasn't that good and DD's not had any confidence since. Hoping that this will spur her on.

    DD has her swimming assessment tonight to see what level she will be on.

    I'm hoping to reduce the Cap One card significantly next month too, so hope PA behaves!
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5960.00 BC: £349.99 Cap One: GONE Lloyds: £10,300.00
    OD £0/£500 LC £0/£1500 Washer £0/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £314.24/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
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